Wells Fargo Propel American Express Card car rentalPhoto Credit: Shutterstock

When it comes to getting the most bang for your buck, it's key to realize that not all credit cards are created equal. If you're looking for a good all-around travel cash-back credit card, it's hard to beat Wells Fargo Propel American Express Card, which lets you rack up rewards on a huge gamut of spending categories while paying zero annual fee and (for the first year) zero interest. This card has been around for awhile, but it's made some recent improvements that makes it more lucrative for travelers.

This card has a sign-up bonus of 30,000 bonus points when you spend $3,000 in purchases in the first 3 months. That translates to a $300 cash redemption value.


Wells Fargo Propel American Express Card Benefits for Car Rentals


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Coverage for rental cars. Like other AmEx cards, the Wells Fargo Propel American Express Card offers secondary car rental insurance for North American rentals and primary coverage for international rentals. Secondary car rental insurance kicks in only after your personal auto insurance coverage has been depleted. If you don't want to risk your auto insurance company getting involved, you should consider buying over-the-counter insurance at the car rental agency.

To take advantage of this benefit, you must:

  • Decline the rental company's collision damage waiver (CDW/LDW).
  • Be the primary renter of the car.
  • Pay for the car in full with your Wells Fargo Propel American Express Card.

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A slew of travel protections. Other benefits offered by the Wells Fargo Propel American Express Card include 24-hour emergency travel assistance, medical assistance and legal assistance. There's also roadside assistance and emergency towing. If you're flying, there's also insurance for lost and damaged baggage. Cardholders also get Worldwide Travel Accident Insurance coverage up to $150,000. Finally, the card delivers cell phone protection of up to $600, minus a $25 deductible, for damage to or theft of your phone if you use the card to pay your monthly cell phone bill.

A smorgasbord of ways for travelers to earn cash back. The best reason to get the Wells Fargo Propel American Express Card is that offers a ton of ways to earn cash back while you're on the go. You'll earn 3x points on car rentals, dining out, ordering in, gas purchases, ridesharing, transit services, flights, hotels, vacation rentals and entertainment such as Apple Music, Hulu, Netflix, Pandora and Spotify Premium. Basically, you earn bonus points almost everywhere you go, so this card is a great choice for travelers.

On all other spending, you earn one point per $1 spent. There's no cap on the amount of points you can earn, and rewards never expire as long as your account is open.

No fees. This card has no annual fee and no foreign transaction fees. Use this card outside the country and expenditures are calculated into U.S. dollars without incurring a percentage-based fee. This benefit can really add up over the course of a week-long trip.


Learn How to Apply for a Wells Fargo Propel American Express Card


The Wells Fargo Propel American Express Card has no annual fee. You'll pay zero interest for the first 12 months; afterward, the APR is 15.99% - 27.99% variable.

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You can learn how to apply for the Wells Fargo Propel American Express Card here.


How to File a Rental Car Claim with a Wells Fargo Propel American Express Card


To make a Wells Fargo Propel American Express Card rental car insurance claim, call the number on the back of your card or (855) 830-3727 as soon as possible after the event. You can also download a claim form for submission from the website.

As always, it is important to document everything. Be sure to take multiple photos of the rental car—noting every ding and scratch—before you leave the car rental office when you pick up the car.


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